A friend sent a private message to her senior in private: Have many couples bought insurance for each other? What role can it play?
Husband and wife are loyal to each other, okay? Let's get familiar with mutual insurance between husband and wife.
Before the start, senior students send a wave of benefits to everyone and make up lessons for friends who have never heard of mutual insurance between husband and wife:
"Buy insurance don't understand husband and wife mutual insurance? Then you can lose a lot! 》
1. What is mutual insurance between husband and wife?
Mutual insurance between husband and wife can be understood as that both husband and wife buy insurance for each other as policyholders, and both of these insurances are guaranteed by the policyholders' exemption.
It is necessary to say a new term "policyholder exemption".
The insured refers to the person who buys insurance products in cash. The definition of the exemption of the insured is that after the exemption clause of the insured's liability is attached, the insured's situation conforms to some specific circumstances agreed in the contract, and with the consent of the insurance company, the remaining unpaid premium of the insured's policy can be exempted, and the protection is still valid.
For example, Mr. Fang and Mrs. Fang insure each other, and the applicant is exempted. If Mr. Fang has purchased insurance and unexpectedly meets the contract standards, Mr. Fang's policy can be exempted from paying the remaining premium because of the exemption of the insured amount of the product, but the policy is still valid. The policy of Mrs. Fang (the insured is Mr. Fang) is still valid if it is not renewed because it fully satisfies the exemption of the insured.
Therefore, mutual insurance between husband and wife can be exempted from premiums, and the family's economic pressure is much smaller. But husband and wife also need to know a lot about mutual insurance.
Second, what should husband and wife pay attention to in mutual insurance?
1, stricter health notification
Consumers take the form of mutual protection between husband and wife to maximize protection and interests.
However, insurance companies must consider the cost, so it is inevitable to supervise mutual insurance between husband and wife. This means that if you want to be insured, you must make a health notification.
Looking at the mutual insurance between husband and wife, some life insurance policies have very strict requirements for the insured's exemption health information.
If you want to know how to pass the health notification smoothly, then this article should not be missed:
What are the tips for health notification when applying for insurance? 》
2. The premium will increase accordingly.
Usually, the products of insurance companies have the function of exemption of the insured, and the exemption of the insured belongs to an additional risk.
If you choose to attach the exemption responsibility of the insured to the insured, then the insured will get more protection, so the corresponding premium will be high.
3. The breakdown of the relationship between husband and wife is likely to affect the policy rights.
The relationship between husband and wife is a highly uncertain risk in mutual insurance between husband and wife.
As soon as the marital relationship between husband and wife ends, as the insured of the other party, it is unnecessary to pay the insurance premium for the other party. If no one continues to pay the premium, the subsequent policy will be invalid and the insured will not be guaranteed.
Senior sister gives you a suggestion. If you have certain financial strength, both husband and wife are healthy and their relationship is stable, then you can consider mutual insurance between husband and wife.
3. How should I buy life insurance?
Mutual insurance between husband and wife can provide better financial assistance and ensure family life. Generally speaking, in life insurance, there are many cases of mutual insurance between husband and wife. Next, I will explain to you how to buy life insurance products.
Life insurance products on sale are equipped with more payment periods, mainly covering two ways: wholesale payment and futures payment. The payment method of wholesale payment is one-time payment of premium, which is more convenient and convenient, but it will have certain requirements for consumers' economic strength, and it is worth choosing for those with abundant funds.
Delivery means paying the insurance premium within the time specified by the insurance company. If the insurance conditions are the same and the payment period is longer, the annual premium will be reduced, which can effectively reduce the economic pressure of consumers. Before taking out insurance, consumers should start from their own insurance demand and budget and choose the one that suits them in the payment period.
At the same time, when purchasing life insurance products, we must choose products with sufficient insurance coverage. If the amount of insurance is too much, the premium will be too much, and the burden on the insured will be particularly heavy, and the result will be bad; The insured amount is too low, and the compensation insurance money can not reduce the economic burden caused by the death of the insured, and it is not good either. How much insurance to buy, we should consider whether we should consider the possible economic gap of families, so as to maximize the role of life insurance.
Fourth, life insurance precautions!
In essence, the exemption clause is clearly stated in the life insurance contract that no compensation will be paid. Simply put, if the total disability or death is caused by these exemptions, the insurance company will not agree to pay the claim.
At present, life insurance has three exemption clauses, which are relatively loose. Strict products provide seven or eight exemption clauses, and some even have more than a dozen. If there are fewer exemption clauses, the scope of protection we can get will be larger, which is more beneficial to our consumers. Therefore, senior sister suggested that we should study the items with exemption clauses in detail when applying for insurance, and try to buy life insurance products with fewer exemption clauses.
5. Where can I buy life insurance?
There are two ways to insure life insurance: offline and online.
If you choose offline insurance, you can find the business outlets of insurance companies in the region, such as China Ping An and China Life Insurance. These insurance companies have set up many business outlets online, or we can find insurance agents.
We can buy insurance products at the bank. Although the insurance is allocated in the bank, in fact, we have to sign a contract with the insurance company, and the claims are also handled by the insurance company.
Another most convenient way is online insurance. We can buy insurance with our fingers. For example, you can buy insurance through insurance companies such as official website, APP and Insurance Mall. Or use Alipay's ant insurance, WeChat's micro-protection configuration, or rely on other third-party insurance malls and insurance companies to buy on the platform.
Senior also sorted out the difference between offline insurance and online insurance. You can check carefully and choose a more convenient way to insure yourself:
"Is it reliable to buy insurance online? What is the difference between online insurance and offline insurance? 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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